Take full advantage of your UFCU membership with a credit card that works for you! By switching to a UFCU Visa credit card you could save an average of over $7001 in interest.
Not only could you save money on interest, you’re also eligible to receive $75 cash back2 after you spend $1,500 in new purchases during the first three months after activating your new UFCU Visa credit card. That means more money in your wallet to enjoy doing more of the things you love.
This is a limited time offer, so apply today!5
|Credit Limit||$5,000 – $20,000||$10,000+|
|Interest Rate||12.99% APR||9.99% APR|
|Average Annual Savings1||$306||$765|
|No Balance Transfer Fee4|
|No Annual Fee4|
|Travel Insurance7||Up to $400,000||Up to $500,000|
|Auto Rental Insurance7|
Other Important Program Information:
Federally insured by NCUA. Equal Opportunity Lender.
1 Average interest savings, based on national average interest rate of 15% APR (creditcards.com) and average US household credit card debt of $15,270 (nerdwallet.com), compared to UFCU Platinum Visa Card interest rate of 9.99% APR is $765 over a 12-month period. Average interest savings compared to UFCU Gold Visa Card interest rate of 12.99% APR is $306 over a 12-month period.
2 $75 cash back offer is only available for new purchases of at least $1,500 that are made on the UFCU Visa credit card within the first three months after activation or by 12/31/14; whichever comes first. Balance transfer amounts cannot be applied toward the cash back bonus incentive. Please allow 6 – 8 weeks after qualifying for the cash back amount to be posted to your Visa credit card account. Offer expires 8/25/14.
3 APR= Annual Percentage Rate. The Annual Percentage Rate is based on the best advertised rate for a UFCU Platinum Visa Card interest rate of 9.99% APR. Visa Gold rate is 12.99% APR; rates may vary and are accurate as of 5/1/2014. Not all applicants will qualify for the lowest rate.
4 A list of additional fees can be found in the chart below.
5 Offer expires 8/25/14.
6Subject to program terms and conditions. See Program Rules for more information.
7Subject to program terms and conditions. See the applicable Benefit Guides for more information.
Interest Rate and Interest Charges
|Annual Percentage Rate (APR) for Purchases, Cash Advances & Balance Transfers||
9.99% or 12.99%
This APR is based on your creditworthiness and will vary with the market based on the Prime Rate.
|Penalty APR and When it Applies||None|
|How to Avoid Paying Interest on Purchases
||Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. For Cash Advances and Balance Transfers, we will begin charging interest on the transaction date.|
|Minimum Interest Charge||None|
|For Credit Card Tips from the Consumer Financial Protection Bureau||To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmoreFeesAnnual|